Raymond James Financial, Inc. research snapshot
RJF AI stock analysis currently reads Raymond James Financial as a durable wealth management, capital markets, asset management, and banking franchise with record fiscal 2025 revenue and strong fiscal Q2 2026 client asset growth. At the July 8, 2026 data cutoff, RJF traded near $167.60 with market capitalization near $32.66 billion. The RJF AI stock forecast is constructive but scenario based because fee assets, investment banking, client cash, credit costs, interest rates, and advisor recruiting can change the earnings path. This page is informational research and not investment advice.
Current price
$167.60
Market cap
$32.66 billion
AI score
73 / 100
Rating
High-quality wealth, capital markets, asset management, and banking platform with cyclical earnings exposure
Trend status
Above the 50-day and 200-day moving averages, with positive but not extreme RSI momentum
Data cutoff (updated weekly)
July 8, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Raymond James combines private client wealth management, independent and employee advisor channels, capital markets, asset management, and bank lending, with Q2 2026 client assets under administration near $1.76 trillion. | High |
| Moat | Moat comes from advisor relationships, client trust, scale, multi-channel affiliation options, compliance infrastructure, capital markets reach, and the friction of moving advisory assets. | Medium-high |
| Management | Paul Shoukry became CEO in 2025 after serving as CFO and president, giving the firm continuity but also a relatively new CEO execution record to monitor. | Medium-high |
| Financial trend | Fiscal 2025 net revenues were about $14.07 billion and net income available to common shareholders was $2.13 billion. Fiscal Q2 2026 net revenues rose 13% year over year to $3.86 billion. | High |
| Valuation | At $167.60, financial_rigor.py calculates about 15.8x TTM EPS, 2.67x book value, 2.22x sales, 16.9% ROE, and a 1.29% dividend yield using current inputs. | High |
| Technical trend | RJF trades above its 50-day moving average near $151 to $154 and 200-day moving average near $151 to $159, while RSI readings from public technical sources sit in a positive but not euphoric zone. | Medium |
| Risk level | Main risks are weaker equity markets, lower asset-based fees, slower advisor recruiting, investment banking cyclicality, bank credit losses, cash sweep pressure, and regulatory or litigation costs. | Medium-high |
| AI confidence | High for disclosed historical facts and math. Medium for the forecast because wealth and capital markets revenue can move with market levels, rates, client flows, and deal activity. | High data confidence |
| Investment certainty | Medium certainty. RJF has a strong franchise, but the current price needs continued fee asset growth, advisor retention, stable bank spreads, and healthy capital markets activity. | Medium |
RJF AI stock forecast
The RJF AI stock forecast uses scenario math around the $167.60 quote. A three-year EPS framework using TTM EPS of $10.58 produced a bullish value near $267.60, a base value near $189.00, and a bearish value near $90.70 before dividends. The range is wide because Raymond James combines recurring wealth fees with cyclical capital markets, banking, and market-sensitive assets.
$245 to $270
More likely if client assets keep compounding, advisor recruiting remains strong, fee-based account assets grow, capital markets revenue improves, credit quality stays firm, and investors assign a high-teens earnings multiple.
$180 to $195
More likely if EPS grows at a mid-single-digit rate, asset management fees track market growth, bank net interest margin holds near recent levels, and RJF trades near a mid-teens earnings multiple.
$85 to $100
More likely if markets weaken, fee assets decline, investment banking slows, cash sweep balances move to higher-cost options, credit costs rise, or the market prices RJF closer to a low-teens earnings multiple.
RJF AI technical analysis
RJF AI technical analysis is constructive but requires entry discipline as of the July 8, 2026 data cutoff. StockAnalysis showed RJF near $167.60 with a 52-week range of $138.82 to $177.66, while Investing.com and Barchart technical snapshots placed the stock above its 50-day and 200-day moving averages. Public RSI readings varied by provider, so the technical confidence is medium rather than high.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $167.60 | Current quote used for this static page and the market cap verification. |
| Near support | $151 to $154 | The 50-day moving average zone from public technical datasets is the first support band to monitor. |
| Secondary support | $151 to $159 | The 200-day moving average range overlaps the 50-day area, making the low $150s an important trend zone. |
| Near resistance | $175 to $178 | The 52-week high near $177.66 is the first major upside reference after the July 2026 quote area. |
| Moving averages | 50-day about $151 to $154, 200-day about $151 to $159 | RJF is above both major moving averages, which supports a constructive trend read but leaves less margin for chasing. |
| Momentum | RSI roughly high 50s to mid 60s | Tickeron showed RSI near 57.3, while AltIndex showed RSI near 63.7. The signal is positive but not an extreme overbought reading. |
| Volume | About 1.3 million to 1.5 million shares | Recent technical sources put average volume near this range, which is the liquidity baseline for judging breakouts. |
| Volatility | Beta 0.94 | StockAnalysis reported beta near 0.94, but company-specific rate, bank, advisor, and capital markets news can still move the stock sharply. |
| Invalidation | Close below $151, then $138 | A close below the moving average cluster would weaken the trend. A break below the 52-week low area would damage the longer setup. |
RJF AI trading strategy
The RJF AI trading strategy is a rules-based framework for a diversified wealth management and financial services stock. It is not personalized advice and should be paired with live chart data, position sizing, earnings dates, monthly operating data, market levels, interest rate expectations, and clear invalidation levels.
Watch for RJF to hold the low $150s moving average cluster and then clear the $175 to $178 resistance area on above-average volume, stronger advisor recruiting data, and improving capital markets commentary.
A close below the low $150s, or a breakout that fails while financial stocks and market breadth weaken, should invalidate the near-term trend setup.
If RJF pulls back toward the $151 to $154 support band without deterioration in client assets, advisor count, bank NIM, credit quality, or capital markets pipeline, compare the price move with the earnings thesis.
Do not treat the wealth management brand as a substitute for stop discipline because fee revenue, loan performance, and investor risk appetite can change quickly.
Track client assets under administration, fee-based account assets, domestic net new assets, financial advisor count, cash sweep balances, bank loans, NIM, investment banking revenue, pre-tax margins, book value, and buybacks.
Reduce confidence if net new assets slow, recruited advisor assets fade, capital markets revenue misses, credit costs rise, or valuation stays high while EPS estimates fall.
Investment research summary
Raymond James helps advisors and clients manage wealth, invest assets, trade securities, raise capital, obtain bank loans, and access planning plus advisory services.
The moat is built from advisor relationships, client trust, service culture, broad affiliation options, scale, compliance systems, and the effort required for clients and advisors to move full financial relationships.
The thesis fails if markets fall, advisor recruiting weakens, clients move cash into higher-cost products, capital markets stay soft, loan losses rise, or regulators and litigation costs pressure returns.
Paul Shoukry brings finance and operating continuity from his CFO and president roles. The current test is whether the new CEO can keep advisor loyalty, technology investment, bank discipline, and capital allocation aligned.
RJF benefits from long-running demand for advice, retirement wealth management, fee-based accounts, independent advisor platforms, and middle-market capital markets services, but the industry remains tied to market levels and rates.
The current price assumes the firm can keep compounding client assets while avoiding a major earnings reset. Margin of safety improves if the stock pulls back while net new assets, bank spreads, and credit remain stable.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| RJF price | $167.60 quote used for market cap verification | StockAnalysis quote snapshot | July 8, 2026 |
| Market capitalization | $32.66 billion, verified as $167.60 x 194.88 million shares | financial_rigor.py market cap verification and StockAnalysis | July 8, 2026 |
| Shares outstanding | 194.88 million shares outstanding | StockAnalysis share statistics | July 8, 2026 |
| Fiscal 2025 net revenues | $14.07 billion in the company release, cross-checked against StockAnalysis at about $14.02 billion | Raymond James fiscal 2025 earnings release | July 8, 2026 |
| Fiscal 2025 net income | $2.13 billion net income available to common shareholders, cross-checked against Macrotrends at $2.127 billion | Raymond James financial information | July 8, 2026 |
| Fiscal Q2 2026 results | $3.86 billion net revenues, $542 million net income available to common shareholders, and $2.72 diluted EPS | Raymond James Q2 2026 earnings release | July 8, 2026 |
| Client assets | $1.76 trillion total client assets under administration in fiscal Q2 2026 | Raymond James Q2 2026 earnings release | July 8, 2026 |
| Cash and cash equivalents | $11.389 billion at September 30, 2025, cross-checked with Basel III disclosure | Raymond James 2025 annual report | July 8, 2026 |
| Valuation math | 15.84x PE, 2.67x book value, 2.22x sales, 16.87% ROE, and 1.29% dividend yield | financial_rigor.py valuation verification | July 8, 2026 |
| Technical levels | 50-day moving average near $151 to $154, 200-day moving average near $151 to $159, RSI roughly high 50s to mid 60s | Investing.com, Barchart, Tickeron, and AltIndex technical snapshots | July 8, 2026 |
This RJF AI stock analysis is an informational research tool only. It is not investment advice, financial advice, tax advice, or a recommendation to buy or sell any security. Forecast scenarios are based on available public data as of the stated cutoff date, can be wrong, and should be checked against current filings, market prices, and your own due diligence.
